Raheja QBE General Insurance

Raheja QBE General Insurance Company is a joint venture between the QBE Holding (AAP) Pty Ltd a wholly owned subsidiary of QBE Insurance Group Limited, Australia and Prism Johnson Limited of Rajan Raheja Group. Raheja group's success and experience and QBE's global expertise in insurance makes for a great combination.

The Certificate of Registration (Forms IRDA/R3) has been issued by IRDA on 12.12.08.The Head office of the company is situated in Mumbai.

Raheja QBE General Insurance Company Overview

Vision and Mission of Raheja QBE General Insurance

Raheja QBE (RQBE) vision is to be the first choice for customers and investors.

Raheja QBE General Insurance Company offers

Raheja QBE offers a host of insurance products under Personal and Corporate Insurance.

In terms of Personal Insurance, Raheja QBE offers:

Accident Personal Insurance

Cattle Insurance

Domestic Property Insurance

Health Insurance

Under Corporate Insurance, Raheja QBE offers:

Accident Corporate Insurance

Commercial Packages

Commercial Property Insurance

Construction & Engineering Insurance

General Liability

Maine Insurance

Motor Insurance

Professional Liability

Workers Compensation

Miscellaneous

Products and Services by Raheja QBE General Insurance Company

Health Insurance

Health Insurance Plans

Health Insurance Policy by Raheja QBE

Raheja QBE Health QuBE plan provides for health cover for you and your family so you can pay for expensive medical expenses and receive good care on your road to recovery. The policy can be customised to match your individual requirements. The policy has sum assured from INR 1 lakh to INR 50 lakhs.

Coverage: This policy can be taken as an individual or family floater basis.

Family floater covers maximum of 2 adults and 2 children.

The premium will be calculated considering the age of the eldest member under the family floater policy. The policy covers all the persons from the ages of 90 days to 65 years. The maximum entry age is limited to 65 years. The minimum adult entry age for dependents is 18 years and the maximum entry age is 65 years.

Children up to 90 days until 5 years can only be covered provided either of his/her parent or legal guardian is insured under the same family floater policy.

Maximum age for Children to be insured under the policy is 17 Years.

You can have lifelong renewals under this policy.

The sum assured available under this plan ranges from Rs.1 Lakh to Rs.50 Lakh.

Variants offered by the Policy

The policy has following four variants. You can select a different variant/plan on renewal of policy.

Basic Plan: This is a basic plan covering health insurance benefits. The plan cannot be enhanced with add-on covers.

Cancer Insurance

With easy access to technology and lot of awareness, various types of cancer can be detected early and be treated effectively. Therefore, the Cancer Insurance offered by Raheja QBE provides substantial financial support so that you can be adequately treated in time, allowing you not only to lead a normal life after cancer but also with no worries.

It will cover the following:

The Individual in the age group of 1 day to 70 years can opt for insurance cover.

If the insured is diagnosed with Cancer and this requires diagnostic investigation or treatment by a duly qualified medical practitioner or surgeon, this policy will pay:

a) 50% of the Sum Insured or Rs. 250,000,00 whichever is less, as a lump sum amount on the acceptance of a claim under the Policy; and

b) reasonable and necessary medical expenses actually incurred by the Insured in the diagnostic investigation or medical treatment of Cancer, in excess of 75% of the amount paid as a lump sum as stated above.

However, reimbursement of medical expenses will be based on submission of original bills only.

Raheja QBE Commercial Vehicle Insurance

The policy offers coverage for not only mandatory third party liability but also damage to your vehicle against natural and man-made calamities.

The policy coverage can be boosted further by adding additional covers for extra premium. The add-on covers available are:

Loss of accessories

Personal accident cover to you or any named person (other than employees)

Personal accident cover to paid driver/conductor/cleaner

Legal liability to paid driver/conductor/cleaner

Legal liability to non-fare paying passengers

Personal Accident Insurance

Raheja QBE Personal Accident Insurance Policy

Raheja QBE’s Personal Accident Insurance provides you and your family protection against the financial costs of unexpected accidents. The policy has defined benefits for the nature of the injury sustained by the insured in an accident during the policy tenure.

The policy plan has three different options to choose which are mentioned below. The compensation benefits depend on the nature of the injuries as mentioned below:

Raheja QBE Commercial Insurance Policies

Raheja QBE Commercial Packages Policy

This policy is made to cater complete insurance requirements of your office assets. A single package policy will provide complete protection against a number of contingencies. Raheja QBE’s office package corporate policy provides coverage for the following:

Electronic Equipment

Burglary

Money Insurance (Money in Transit)

Business Interruption (Fire & Allied perils)

Personal Accident

All Risk Insurance

Fidelity Guarantee Insurance

However, it does not cover for losses or damages caused by or consequent to any of the following under any sections:

Accidental External means

Sonic bangs

Public Authority

War Risks

Pollution and/or Contamination

War Risks

Gradually occurring losses

Raheja QBE Commercial Property

All Risk policy

The policy will cover the following:

All movable equipment like laptops, handy-cams, mobile phones, camera etc. are covered under this policy. However, it shall not cover items which remain confined to your own home. This policy will cover items which are exposed not only to natural perils but also to theft, snatching, etc.

Burglary Insurance

With Burglary insurance from Raheja QBE, one can provide financial support against loss or damage to property contained in your premises by acts of Burglary and or Housebreaking.

The policy covers the following:

Property accommodated in your premises, goods/stocks owned in trust and /or commission. It will also cover cash, valuables and securities which are kept in a locked safe or cash box in locked steel cupboard on specific request.

It will also cover damage to your premises caused by burglars during burglary or attempts at burglary.

The USP of this policy is that it pays actual loss/damage to your insured property caused by burglary/house breaking subject to the limit of Sum Insured and in case the sum insured is not adequate, policy pays only proportionate loss. The policy does not cover the following:

Damages caused due to War perils, Riot & Strike (covered by payment of additional premium), Acts of God and Nuclear perils.

The goods which are held in trust/commission, title deeds, jewellery, etc.

Consequential Loss (Fire) Insurance

The consequential loss insurance offered by Raheja QBE will provide coverage to the financial loss suffered due to interruption of business operations whilst the damaged property is being repaired or replaced. That means it offers solution by covering profit lost due to reduction in turnover arising from interruption of business following damage to the property insured.

What is covered?

This policy is specifically made to protect your balance sheet from an adverse consequence arising out of an interruption to your business from a peril covered under your Fire (Material Damage) Policy.

What is not covered?

This policy will not cover a loss that is not admissible under a Fire (Material Damage) Policy. It will also not cover any loss due to the act of foreign enemy, war, invasion etc.

Fire Insurance

Fire Insurance Policy

The Standard Fire and Special Perlis Insurance will cover movable and immovable properties on land (which excludes the cost of land). This policy, in turn, protects your financial investment in your assets that includes plant and machinery, building, stocks and other contents if they are damaged due to any of the below risks.

It covers the following:

Fire

Aircraft Damage

Any Impact Damage due to Rail, Road, Animal

Lightning

Riot, Malicious Damage, Strike,

Subsidence and Landslide including a Rockslide

Explosion/Implosion

Storm, Typhoon, Hurricane, Tornado, Flood Inundation

Bursting and overflowing of the water tanks, apparatus and pipes

Missile Testing Operations

Leakage from Automatic Sprinklers and Installations

Bush Fire

However, the policy does not cover the following:

Fire due to own, natural heating, fermentation and spontaneous combustion

Stocks undergoing drying process or heating

Explosion of boilers or steam generating vessels and machinery subject to centrifugal force by its own explosion or implosion

Total or partial cessation of work/retarding/ interrupting any process or operations arising out of the insured perils

Impact damage by vehicles belonging to you or your employees or any other occupier of the premises

Loss or damage to electrical machine/apparatus which is the source of fire

Earthquake

Policy Excess i.e. This is the first amount of any claim that you have to bear

Any consequential loss i.e. business loss

Industrial All Risks Policy

The Industrial Risk Policy provided by Raheja QBE provides financial compensation for accidental damage or loss to your stock and building, plant, machinery etc. The Industrial Risk policy is a comprehensive policy and will provide coverage to your assets from unforeseen circumstances. The risk will include:

The Industrial Risk Policy provided by Raheja QBE does not cover the following:

A Property not covered under this policy will include any property undergoing alteration/repair/testing, installation or servicing, undergoing any process.

Property in transit other than within the premises specified in the Schedule.

Land, driveways, pavements, roads, runways, railway, etc.

Damage to the property being insured by any marine policy.

The policy will also not cover damage to the property insured caused by corrosion, rust extremes or changes in temperature, dampness, dryness, wet or dry rot fungus, shrinkage, evaporation, loss of weight pollution.

Marine Insurance Policies

Marine Cargo -Specific Transit

The Marine Cargo- Specific plan offered by Raheja QBE provides coverage to all the marine goods like machinery, raw materials, finished goods etc. during transit under a contract of affreightment. The policy specifically covers loss or damage to insured goods during transits by (a) Sea (b) Post or parcels (c) Rail/Road/Air.

All Overseas Transits are subject to Institute Cargo Clauses A, B & C given by Institute of London Underwriters. The brief coverage is as under:

Risk

Institute Cargo Clauses

(Proximate Cause)

A

B

C

(All risk Cover)

(Wider Cover)

(Basic Cover)

Stranding, Grounding, Sinking or Capsizing

Yes

Yes

Yes

Overturning or Derailment of Land Conveyance

Yes

Yes

Yes

Collision of Ship or Craft with another Ship or Craft

Yes

Yes

Yes

Contact of Ship, Craft or Conveyance with anything other than

yes

Yes

Yes

Ship or Craft (excludes Water but not Ice)

Discharge of Cargo at Port of Distress

Yes

Yes

Yes

Loss overboard during Loading/Discharge (total loss only).

Yes

Yes

No

Fire or Explosion

Yes

Yes

Yes

Malicious Damage

Yes

*No

*No

Theft/ Pilferage

Yes

No

No

General Average Sacrifice

Yes

Yes

Yes

Jettison

Yes

Yes

Yes

Washing Overboard (deck cargo)

Yes

Yes

No

War Risks

No*

No*

No*

Seawater entering Ship, Craft, Hold,

Yes

Yes

No

Conveyance Container Lift Van or Place of Storage

River or Lake Water entering same

Yes

Yes

No

* Can be bought back

Marine Open Policy Corporate

The Marine Open Policy Corporate offered by Raheja QBE provides coverage to marine goods machinery, raw materials, finished goods etc. during transit under a contract of affreightment. The policy also covers physical loss or damage to insured goods during transits by (a) Sea (b) Post or parcels (c) Rail/Road/Air. The scope of cover shall be determined by the Institute Clauses attached to the Policy.

All Overseas Transits are subject to Institute Cargo Clauses A, B & C given by Institute of London Underwriters. The brief coverage is as under:

Risk

Institute Cargo Clauses

(Proximate Cause)

A

B

C

(All Risk Cover)

(Wider Cover)

(Basic Cover)

Stranding, Grounding, Sinking or Capsizing

Yes

Yes

Yes

Overturning or Derailment of Land Conveyance

Yes

Yes

Yes

Collision of Ship or Craft with another Ship or Craft

Yes

Yes

Yes

Contact of Ship, Craft or Conveyance with anything other than

Yes

Yes

Yes

Ship or Craft (excludes Water but not Ice)

Discharge of Cargo at Port of Distress

Yes

Yes

Yes

Loss overboard during Loading/Discharge (total loss only).

Yes

Yes

No

Fire or Explosion

Yes

Yes

Yes

Malicious Damage

Yes

No*

No*

Theft/ Pilferage

Yes

No

No

General Average Sacrifice

Yes

Yes

Yes

Jettison

Yes

Yes

Yes

Washing Overboard (deck cargo)

Yes

Yes

No

War Risks

No*

No*

No*

Seawater entering Ship, Craft, Hold,

Yes

Yes

No

Conveyance Container Lift Van or Place of Storage

River or Lake Water entering same

Yes

Yes

No

* Can be bought back

This plan does not cover the following:

Delay

Civil Commotion

Inherent vice

Ordinary leakage/loss in weight or volume, wear and tear

Marine Stock Turnover

The Marine Stock Turnover plan offered by Raheja QBE covers goods, machinery, raw materials, finished goods etc. during transit under a contract of affreightment. It also covers physical loss or damage to insured goods during transits by (a) Sea (b) Post or parcels (c) Rail/Road/Air. The scope of cover shall be determined by the Institute Clauses attached to the Policy. All Overseas Transits are subject to Institute Cargo Clauses A, B & C given by Institute of London Underwriters. The brief coverage is as under:

Risk

Institute Cargo Clauses

(Proximate Cause)

A

B

C

(All Risk Cover)

(Wider Cover)

(Basic Cover)

Stranding, Grounding, Sinking or Capsizing

Yes

Yes

Yes

Overturning or Derailment of Land Conveyance

Yes

Yes

Yes

Collision of Ship or Craft with another Ship or Craft

Yes

Yes

Yes

Contact of Ship, Craft or Conveyance with anything other than

Yes

Yes

Yes

Ship or Craft (excludes Water but not Ice)

Discharge of Cargo at Port of Distress

Yes

Yes

Yes

Loss overboard during Loading/Discharge (total loss only).

Yes

Yes

No

Fire or Explosion

Yes

Yes

Yes

Malicious Damage

Yes

No*

No*

Theft/ Pilferage

Yes

No

No

General Average Sacrifice

Yes

Yes

Yes

Jettison

Yes

Yes

Yes

Washing Overboard (deck cargo)

Yes

Yes

No

War Risks

No*

No*

No*

Seawater entering Ship, Craft, Hold,

Yes

Yes

Yes

Conveyance Container Lift Van or Place of Storage

River or Lake Water entering same

Yes

Yes

No

* Can be bought back

This policy will not cover the following:

Inherent vice

War, Strike, Riot and Civil Commotion

Ordinary leakage/loss in weight or volume, wear and tear

Willful misconduct

Improper packing

Construction & Engineering insurance

Construction & Engineering insurance by Raheja QBE

Raheja QBE offers a couple of plans under Construction & Engineering.

Boiler Pressure Plant Insurance

This policy covers damage other than by fire, to boilers & pressure plant, damage to surrounding property, Third Party legal liability arising due to explosion and collapse of the boiler/ pressure plant during its normal course of working.

It will cover the following:

damage to the boilers & pressure vessels;

damage to surrounding property, up to fixed limits, arising due to explosion & collapse of the pressure plant during the normal course of working; and

Third party legal liability, up to fixed limits, arising due to death or bodily injury to third parties. It does not cover the following:

Loss or damage for which the manufacturer or supplier or repairer of the property is responsible either by law or under contracts.

The failure of individual tubes in boilers of the water tube locomotive or other multitubular types, in super heaters or in economizers.

Willful acts or gross negligence on the part of you or your representatives.

Electronic Equipment Insurance

Raheja QBE offers Electronic Equipment Insurance that covers accidental, unforeseen and sudden physical loss or damage to electronic equipment (Including system software) against sudden & unforeseen physical damage by any cause or peril those are not excluded under the Policy.

It will cover the following:

cyclone, storm and other atmospheric disturbances

flood and water damages

Entry of foreign body, dirt.

Failure of air-conditioning equipment.

However, the policy does not cover the following:

Faults or defect for which the supplier/manufacturer/maintenance contractor is responsible either by law or under contract.

War or warlike operations, nuclear reaction, radiation or radioactive contamination.

Wear and tear, faults or defects existing at the time of commencement of insurance which ought to have been or were known to you.

Erection All Risks Insurance

The Erection All Risks Insurance offered by Raheja QBE will protect your financial investment in a project either as a Principal or as a Contractor. The policy can be taken by you as the Principal, Contractor, and Sub Contractor either individually or jointly.

The policy will cover the following:

The policy offers coverage at various stages the projects including Storage, Erection, Testing, and Commissioning. It is a comprehensive policy that covers damage arising from all unforeseen circumstances subject to certain named exclusions.

The Erection All Risks Insurance offered by Raheja QBE does not offer the below:

Defective or accidental lack of lubrication, seizure, water hammer or local overheating.

Failure of operation of safety devices.

This policy does not cover the following:

War or warlike operations, nuclear perils; willful acts or gross negligence on the part of you or your representatives.

Have been or were known to you, faults or defect for which the supplier is responsible either by law or under contract.

wear and tear, faults or defects existing at the time of commencement of insurance which ought to have been or were known to you, faults or defect for which the supplier is responsible either by law or under contract.

Burglary and theft, impact by land borne/water borne craft.

General Liability

General Liability Polkicy

The general liability insurance offered by Raheja QBE has various plans like…

Public Liability Insurance

The Public Liability Insurance offered by Raheja will cover the legal liability arising if a third party suffers bodily injury or damage to their property arising out of your business activities, including the actions of you or your employees.

Public Liability Act Insurance

The Public Liability Act Insurance by Raheja QBE is made to protect you against liability arising out of any accident affecting any person(s) occurring while handling hazardous substances as listed in the Gazette notification issued under the Public Liability Act, 1991.

Combined General Liability Insurance

Liability may seem like a straightforward insurance risk today. But changing exposures can lead to unexpected and complex claims with daunting implications in terms of expense, time and reputation. Raheja QBE Combined General Liability policy combines both public and products liability and is the policy coverage purchased by many businesses from medium scale to the largest.

Professional Liability

Professional Liability Policy

The Professional Liability insurance plans offered by Raheja QBE is an essential component of risk management. It offers protection to corporations and business professionals that will cover against legal liabilities, the threat of litigation and potential resultant damage. It has plans available for different professionals in verticals like.

Directors & Officers Liability Insurance

The Directors & Officers Liability Insurance offered by Raheja will protect company directors and officers against liability for their wrongful act or omission committed in their capacity as company directors or officers, including but not limited to:

The policy covers:

Negligence

Wrongful misrepresentation

Breach of trust

Breach of fiduciary duty or breach of warranty of authority

Unlawful default including:

out-of-court settlements

defence costs and expenses, and

compensatory damages awarded against the company directors and officers

costs of appointing legal expertise

This policy does not cover:

Prior or pending litigation

Asbestos related liability

Asbestos related liability

Bodily Injury claims

Liability in consequence of any position held by an Insured Person as an Employee Benefit trustees

Liability in consequence of any external positions held by any Insured Persons

Professional Services related claims

Loss arising out of Property Damage

Claims arising out of Securities Offerings

Actions brought by Substantial Shareholders

War & Terrorism

Claims caused unscrupulous behavior of Insured Person(s)

Information and Communication Technology Liability Insurance

The Information and Communication Technology Liability Insurance will cover any professional providing Information & Communication Technology (ICT) which is exposed to claims of a “Professional Indemnity” nature.

Or any service, advice or work provided by the professional in relation to the above; and also, the provision of data processing, data communication services provided by the professionals.

It will cover the following:

Errors and Omissions

Indemnifies professionals against third party legal liability for any claim in respect of negligent acts, errors or omissions incurred in the provision of information & communication technology services.

Provides cover for defense costs.

Personal Injury and Property Damage

Indemnifies professionals against the amounts (including defense costs) which he/she becomes liable to pay by way of third party compensation in respect of personal injury and property damage

It does not cover the following:

Aircraft and watercraft

Faulty workmanship

Radioactivity

Assumed liability

Radioactivity

Vehicles

Pollution

Fines, penalties, and punitive damages

Property in custody and control

Corporate insurance

Corporate insurance Policies

Medical Malpractice Corporate

The Medical Malpractice Corporate offered by Raheja QBE provides insurance solution for professionals with the confidence to face the challenges of business. This will cover them in case they face civil litigation or criminal prosecution.

This policy will cover:

Compensatory damages awarded against the professionals and

Legal costs and expenses associated with defending legal actions

Settlements

Professional Indemnity Insurance

The Professional Indemnity Insurance offered by Raheja QBE is an unusual one as it covers any professional or consultant that provides advice or other services which is exposed to claims of a "professional indemnity" nature. In literal terms, this plan will cover if a party suffers financial loss after receiving the services or relying on the advice of a professional, he/she may have the right to sue for the loss. However, a professional may even be sued by a client who is merely dissatisfied but has no valid claim.

Commercial Crime

The Commercial Crime insurance policy by Raheja QBE was made to cover fraudulent activities which have grown with the expansion of legitimate Internet use; thus impacting on accounting transactions in accounts receivable, receipts and disbursements, accounts payable, inventories and fixed assets, and financial reporting. This policy addresses the above exposure, helping companies to protect their financial losses arising out of such acts.

Scope of Cover

The Commercial Crime Insurance policy indemnifies the Insured for its loss sustained for:

Fraud or dishonesty committed by any employee (acting alone or in collusion with others)

A fraudulent act committed by any other person.

The Commercial Crime policy offered by Raheja QBE does not cover the following:

Fire

Radioactivity and Nuclear

Stock held or in transit

Violent crime by any individual or organization

Extortion or Kidnap and Ransom

Major Shareholder

Directors/Partners

Fines, Penalties or Damages

Note: The Commercial Crime policy has sub-plans like…

D & O – Excess

Media Liability

Clinical Trials

Workers Compensation by Raheja QBE

This specific policy will protect your liability as an employer for employment injury (including death) of any of your employees who is a ‘workman’ as defined under Workmen Compensation Act.

The policy covers:

The Workers Compensation policy by Raheja QBE will cover any insured employee who may sustain personal injury by accident or disease arising out of and in the course of his employment.

This policy does not cover:

Any injury caused by accident or disease directly attributable to war, invasion, an act of foreign enemy, hostilities (whether war be declared or not), civil war, mutiny, insurrection, rebellion, revolution, military or usurped power.

The Insured’s liability to employees of contractors to the Insured.

Any liability of the Insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement.

Any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and such party.

Miscellaneous Insurance

Miscellaneous Insurance by Raheja QBE

This insurance covers two plans under Miscellaneous Insurance by Raheja QBE

Money

It will cover ‘Money’ which is carried by the insured or the authorized employees of the insured while in transit from the time it is taken out till received at the destination - points of origin and destination being specified before-hand. The policy will cover the following:

Loss of money in transit, by the insured or the insured’s authorized employee(s), occasioned by Robbery, Theft or any other fortuitous cause.

Loss of money in safe, by Burglary, Housebreaking, Robbery or hold-up.

Fidelity Guarantee by Raheja QBE

This policy covers financial compensation against loss to your business caused by any fraudulent or dishonest act of any employee.

This policy covers the following:

Financial loss suffered by the Insured as a result of fraud/dishonest employees of the insured.

This policy will pay the actual financial loss sustained as a result of the dishonest/ fraudulent act of the employee. However, the amount payable under the policy is subject to adjustments against any salary, commission security deposit or any other money standing to the credit of the fraudulent employee.

The Policy does not pay more than one claim in respect of liability/loss arising out of an individual employee's acts. The loss is payable up to the limit specified for the employee.

This policy does not cover the following:

Inventory losses

Loss arising outside India

Clients with accounting control and auditing system that is not fool-proof.

Caused by an employee after discovery of his previous fraud or dishonesty.

Discovered more than 12 months after the termination either of the guarantee or of the service of employee concerned.

Proposals from clients who have been bankrupt or have been involved with creditors or disclose betting, gambling or other questionable habits

Claim Proces of Raheja QBE General Insurance

Raheja QBE is very much committed to providing excellent claims service to its valued customers to make their company the First Choice Insurer for its customers. Their aim is to provide friendly, fair and timely settlement of all valid claims.

How to Make a Claim

To register a claim you will require the following information.

Policy Number

Date and time of Loss

Location of damaged property

A brief description of the event giving rise to a claim

Name and Contact Number of person handling the claim

Claim Toll Free Number 1800 102 7723 or Mobile Number +91 70453 59601

Email at: claims@rahejaqbe.com

Claim Forms of various products are available on the respective web page on the company website.

FAQs on Raheja QBE General Insurance

What are the exclusions in the personal accident policy?

For complete details, it is advised to refer the policy document. Some of the main exclusions are mentioned below.

Self-injury, suicide, venereal disease or insanity

Influence of intoxicating liquor or drugs

Death due to pregnancy or childbirth

Breach of law with criminal intent

War and nuclear group of perils

On duty with armed forces

Injury/death while participating in adventurous activities

Adventure Sports

Terrorism

Why do I need a health insurance policy?

Today's fast paced lifestyle and rise in spreading of diseases and dangerous viral it is hard to guess when the illness will strike you or your family member. With rising medical care cost, it has become imperative to have health insurance in order to mitigate the sudden financial loss. Health insurance covers the costs of your illness and additionally offers many other benefits. Without Health Insurance you may find it hard to pay expensive medical expenses when you need them the most. Health insurance guards you financially against the huge medical expenses.

What is the exit age in cancer insurance policy?

If the policy has been in continuation without any break then there is no exit age for cancer insurance policy.

How do I Report Mis-Selling by Raheja QBE Insurance?

In case of mis-selling, you can drop an email to complaintsofficer@rahejaqbe.com

Whom do I need to contact in case of Grievance against Raheja QBE Insurance?

One can complain to the IRDAI, who is the statutory body tasked with regulating and promoting the insurance and re-insurance industries in India.